Intesa Sanpaolo Bank · Standard
- Amount
- Under review–5,000 lei
- Term
- 0–0 months
- Published APR
- Under review
- Checked
Best credit card
There is no single credit card that wins for everyone. The right card depends on how you use it: pay in full every month and you want a long grace period plus cashback; carry a balance and the interest rate matters most; withdraw cash and the fee hits you first.
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Representative example: for a credit card with a 9,400 lei limit, a grace period of up to 56 days on purchases, an annual fee of 112 lei, penalty interest of 24.90% per year applied to the balance not repaid in full by the due date, a purchase APR of 26.40% and an APR of 31.20% on cash withdrawals (advance fee 1.5%, minimum 23 lei, no grace period). Costs vary by issuer and applicant profile.
Independent comparison · free for you
The list includes lenders and intermediaries. Intermediaries are clearly marked and take you to their own platform; the final lender sets eligibility and costs. The order considers verified APR, and commercial agreements may influence positions. Details
BCR
- Amount
- 1,000 lei–25,000 lei
- Term
- 0–0 months
- Published APR
- Under review
- Checked
Banca Transilvania
- Amount
- 1,000 lei–30,000 lei
- Term
- 0–0 months
- Published APR
- Under review
- Checked
ING Bank
- Amount
- 1,500 lei–25,000 lei
- Term
- 0–0 months
- Published APR
- Under review
- Checked
BRD
- Amount
- 1,000 lei–20,000 lei
- Term
- 0–0 months
- Published APR
- Under review
- Checked
Raiffeisen
- Amount
- 700 lei–50,000 lei
- Term
- 0–0 months
- Published APR
- Under review
- Checked
Garanti BBVA · WWF Bonus Card
- Amount
- Under review–Under review
- Term
- 0–0 months
- Published APR
- Under review
- Checked
UniCredit Bank · Principal
- Amount
- Under review–Under review
- Term
- 0–0 months
- Published APR
- Under review
- Checked
AXI Card
- Amount
- 100 lei–4,000 lei
- Term
- 0–0 months
- Published APR
- Under review
- Checked
How to pick the card that fits you
In this guide, "best" means the lowest APR published by the lender at the time you read this page.
APR changes during the year, so the values stay a starting point, not a firm offer.
The main comparison point is the grace period.
On the local market it reaches up to 56 days, but it only works if you repay the full amount used by the due date.
Pay partially and the grace disappears for the whole balance, not just the remaining difference. This is where most users lose money without noticing.
The second filter is the cost structure: annual fee, penalty interest on the unpaid balance, and the APR on cash withdrawals.
A card with 1.2% cashback looks attractive, but with a 112 lei annual fee and low spending, the cashback will not cover the fee.
A no-fee card wins for small spending, a cashback card wins for high spending with full repayment.
The default „Kreditano order” is based on the APR; based on commercial agreements, certain lenders may occupy higher positions. You can always sort strictly by APR.
What the APR means is covered in the what DAE is guide, and for the full product mechanics visit the credit card page.
Kreditano is an independent comparison platform. We are not a lender, we do not take credit applications and we do not offer financial advice.
The information in this article is for information purposes; the final conditions are set exclusively by the creditor.
Kreditano may receive a commission when you access a creditor's website through our links.
- ✓You pay in full monthly: prioritise a long grace period and cashback, ignore interest because you will not pay it.
- ✓You carry a balance: penalty interest weighs more than any cashback, choose the lowest rate.
- ✓You rarely withdraw cash: check the withdrawal APR, where grace does not apply and interest starts on day one.
- ✓Small monthly spending: a no-annual-fee card beats a cashback card you never amortise.
Frequently asked questions
Which is the best credit card in 2026?+
It depends on usage, not a single name. For full monthly repayment the long-grace cashback card wins; for carrying a balance the lowest interest matters; for cash withdrawals the withdrawal APR matters. Compare all three figures before deciding.
How do I choose between cashback and a no-annual-fee card?+
Estimate your yearly spending and multiply by the cashback rate. If the result beats the annual fee, the cashback card wins. If you use the card rarely, a no-fee card is cheaper overall.
Can I compare cards by APR?+
Yes, the table lets you re-sort by APR. Note that purchase APR differs from cash-withdrawal APR, and the latter is noticeably higher because it includes the advance fee and the absence of a grace period.
What interest do I pay if I do not repay in full?+
If you do not repay the used amount in full by the due date, you lose the grace period and the remaining balance falls under penalty interest, usually around 24.90% per year on local cards. Interest is calculated daily on the unpaid balance, so a small remainder of a few hundred lei carried for several months ends up costing noticeably more than it first appears.
How much does a cash advance on the card cost?+
Withdrawing cash from a credit card carries an advance fee, typically 1.5% of the amount with a minimum around 23 lei, and the grace period does not apply at all. Interest starts on the very day of withdrawal, not at the due date, which is why the advance APR climbs toward 31.20%, clearly above the purchase APR. Use this option only in emergencies.